About this role
- We are seeking a detail-oriented and analytical Credit Manager to evaluate and underwrite credit proposals in the Agri-Fin Projects segment.
- The role involves assessing financials, conducting market visits, and ensuring timely and compliant credit processing.
- The ideal candidate should have strong financial analysis skills, experience in credit underwriting, and a proactive approach to risk management.
- Provide sound, independent, and unsolicited credit advice and recommendations on Agri SME credit proposals.
- Handle all types of working capital requirements (fund-based and non-fund-based), commodity finance, and project loans for Agri SME enterprises.
- Conduct thorough credit appraisals, including financial analysis to assess solvency, liquidity, and repayment capacity of entities.
- Prepare detailed appraisal notes and perform credit checks.
- Present proposals to various sanctioning forums as per approval authorizations, ensuring all queries from the approving authority are satisfactorily addressed.
- Conduct customer meetings and site visits at factories, offices, and residences to assess business operations, inventory, and working environment.
- Interact regularly with the approving authority, providing necessary information to support informed decision-making and sharing independent views on credit and economic developments.
- Monitor and manage the local credit portfolio proactively, identifying and mitigating risks through in-depth knowledge of individual credit-takers.
- Engage with business teams to revise account strategies or credit ratings as needed.
- Ensure timely renewal of accounts and manage portfolio enhancements efficiently.
- Align decision-making with business requirements while maintaining the quality of decisions and adhering to laid-down policies through regular discussions with business teams.